Business Operations Associate - Rotational Program
About the job
- Recent graduate or equivalent experience.
- A Bachelor of Arts or Bachelor of Science degree, with graduation in 2024–2026 or by Summer 2027, or equivalent experience.
- A minimum GPA of 3.0.
- Commitment to an in-person work environment.
- Deliver customer service across chat, email, and phone, guiding users through their shopping and credit-building journey.
- Drive resolution of high-impact problems across the Core, Marketplace, Card, and Risk operational verticals.
- Collect and analyze customer service data to develop and implement performance improvement strategies.
- Collaborate with the overseas Business Process Outsourcing partner to provide actionable feedback on customer service interactions and improve agent efficiency, accuracy, and service quality.
- Maintain and update internal training materials, including standard operating procedures and operational documentation.
- Rotate through internal teams including Product, Acquisition, Merchandising, Credit Card, Marketing, Compliance, and People.
- Propose cross-functional solutions to optimize operational efficiency and drive business outcomes.
- Measure and communicate user friction points to the Product team and propose user experience solutions.
- Collaborate with Merchandising on orders, pricing, shipments, and vendor coordination.
- Manage Business Process Outsourcing operations by setting performance standards for agent output and aligning operations with business goals.
- Lead training for new and existing team members.
About the company
Perpay runs a shopping and credit-building platform for US consumers, using payroll direct deposits to make payments fit their income and pay schedule. Its Marketplace sells electronics, home goods, and other products through interest-free installment purchases, while Perpay+ reports payment history to the major credit bureaus. A separate unsecured Perpay Credit Card, issued by Celtic Bank, extends spending beyond the marketplace and supports automatic payments from paychecks. The business combines retail product sales with a subscription fee for Perpay+ credit reporting, which also includes credit monitoring through its dashboard. Perpay was founded in 2016 and is headquartered in Philadelphia, Pennsylvania.
Company Size
51-200
Company Stage
N/A
Total Funding
$2.5M
Headquarters
Philadelphia, Pennsylvania
Founded
2016
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Simplify's Take
What believers are saying
- Credit building shows results: Perpay reports 30-plus first-year average score gains among 50,000 Perpay+ customers starting at 550 or below.
- Customer reach supports cross-selling: Perpay says millions of members work across more than 50,000 employers.
- Operations builds varied experience: Perpay's listed associate program rotates across internal teams in ten-to-eleven-week assignments.
What critics are saying
- Fees raise access costs: Perpay's card agreement charges $9 monthly after the first year.
- Card reach depends on payroll: Perpay excludes gig workers unless their own company pays through third-party payroll.
- Philadelphia attendance limits flexibility: Perpay's listed operations rotation requires office work, with remote weeks around major holidays.
What makes Perpay unique
- Shipping follows repayment: Perpay sends Marketplace orders only after receiving the first payroll payment.
- New Perpay cards reward repayments: customers earn 2% as Marketplace credits.
- Perpay controls card experiences through Marqeta: the issuing platform supports instant virtual cards and real-time spending controls.
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Benefits
- Competitive salary + company equity
- 401k with company match
- Medical / Dental / Vision insurance
- Pre-tax Public Transportation benefit
- Relocation assistance
- Student loan company match
- Gym subsidy with City Fitness
- Cell phone plan
- Paid parental leave
- Unlimited PTO
- Optional work from home (WFH) up to 4 weeks per year